Consistent 0% officer compensation for an organization with over $100M in assets, which warrants further investigation into how leadership is compensated or structured.
Operating as an insurance company under a nonprofit designation, which can be confusing for donors expecting a traditional charity.
Strengths
High transparency regarding executive compensation, reporting 0% across all filings.
Significant asset base ($112,206,115 latest) indicating financial stability for its operational purpose.
Consistent filing history (13 filings) demonstrating adherence to reporting requirements.
Spending Breakdown
How Academic Physicians Insurancecompany allocates its funds across programs, administration, and fundraising.
100%
Program Spending
Healthy — majority goes to mission
0%
Admin Costs
Reasonable — admin costs in check
0%
Fundraising
Within typical range
How to read this: Well-run charities typically spend 75% or more on programs, keep admin under 25%, and fundraising under 15%. A high program ratio means more of every dollar goes directly to the mission.
How to Interpret This Report
What Red Flags Mean
Red flags are potential warning signs identified by AI analysis of IRS 990 filings. They may indicate issues like declining revenue, high executive pay relative to program spending, lack of transparency, or governance concerns. A single red flag does not necessarily mean an organization is untrustworthy, but multiple flags warrant further investigation before donating.
What Mission Score Measures
The Mission Score (0-100) evaluates how effectively a nonprofit fulfills its stated purpose. It combines multiple factors: program spending efficiency (how much goes to programs vs. overhead), financial health and sustainability, governance quality, transparency in reporting, and consistency of operations over time. A score of 70+ indicates strong alignment with the organization’s mission.
Using This Data for Donation Decisions
Use this report as one input in your decision. Look at the overall Mission Score for a quick assessment, review red flags and strengths for specific concerns, check the spending breakdown to see where money goes, and compare executive compensation to the organization’s size. Consider viewing the full transparency report for deeper analysis, and always verify tax-exempt status with the IRS before making large donations.
Frequently Asked Questions about Academic Physicians Insurancecompany
Is Academic Physicians Insurancecompany a legitimate charity?
Based on AI analysis of IRS 990 filings, Academic Physicians Insurancecompany (EIN: 204687937) shows mixed signals. Mission Score: 60/100. 2 red flags identified, 3 strengths noted.
Is Academic Physicians Insurancecompany a good charity to donate to?
Academic Physicians Insurancecompany has a Mission Score of 60/100. Revenue: $36.7M. Assets: $112.2M. Review the full transparency report for detailed spending breakdown and executive compensation analysis.
What is the EIN for Academic Physicians Insurancecompany?
The Employer Identification Number (EIN) for Academic Physicians Insurancecompany is 204687937. This is the unique tax ID assigned by the IRS.
What is a Mission Score?
The Mission Score is a 0-100 rating that measures how effectively a nonprofit fulfills its stated mission. It factors in program spending efficiency, financial transparency, governance practices, and outcome reporting. Scores above 70 indicate strong mission alignment, 40-69 suggest mixed performance, and below 40 signals potential concerns.
How does Academic Physicians Insurancecompany spend its money?
Academic Physicians Insurancecompany allocates 100% to programs, 0% to administration, and 0% to fundraising. Healthy nonprofits typically spend 75%+ on programs.
How can I verify Academic Physicians Insurancecompany's tax-exempt status?
You can verify Academic Physicians Insurancecompany's tax-exempt status using EIN 204687937 on the IRS Tax Exempt Organization Search (TEOS) at apps.irs.gov/app/eos. You can also request copies of their Form 990 directly from the organization, as they are required by law to provide them upon request.
AI Transparency Report
Academic Physicians Insurancecompany, operating under NTEE Code E02, appears to be a medical malpractice insurance provider rather than a traditional grant-making or service-oriented charity. Its financial structure, with significant assets ($112,206,115 latest) and liabilities ($60,701,263 in 2023), is more akin to an insurance entity. The organization consistently reports 0% officer compensation across all available filings, which is a notable aspect of its financial transparency regarding executive pay. However, without a detailed breakdown of its 'expenses' beyond the aggregate figures, it's challenging to assess its spending efficiency in terms of program delivery versus administrative or fundraising costs, as these categories are typically not applicable in the same way to an insurance company. The consistent reporting of 0% officer compensation suggests a high degree of transparency in that specific area, but the overall financial health and 'charitable' impact need to be viewed through the lens of its actual operational model as an insurance provider.